My Health Insurance

[Guest guest]

Years ago when I first took out this health insurance I was more or less forced

to go with this company. My husband's plant had closed down and Cobra ran out so

we were without insurance for awhile. I was told the big Blue would not cover

previous conditions and if I took this company they would and then after a year

we could switch to Blue. Well I am glad we never did the switch:) Preferred Care

has never turned us down for anything. I had a Pet scan a year ago plus some cat

and MRI's in between. Then I was shocked this year they ok'd the Pet again. I

was more shocked when I got a letter in the mail from them today. They have

approved my Pet/Ct scan. I really did not expect them to as I just had a Pet In

March and a CT in May. Now I just have to wait for the oncologist office or

Radiologist to call for the appt. I feel I made the right choice in starting

over and forgetting about the colon surgeon. I now have Medicare and my premiums

for this insurance started out at 49.00 a month. Unheard of last year when

everybody got raised we got lowered on the Gold to 30.00 a month. I can go to

any specialist without a referral and the only test that needs one is for a Pet

scan. I have a 15.00 co pay and none for lab work. My regular PCP is only 10.00.

From what I hear from other people I guess I am lucky in this respect. Oh and

since I was lucky enough to get the staph infection that almost killed me I now

get a private room and don't pay the extra. For the rest of my life when I go to

hospital I am automatic put in isolation:) That has never been fully explained

to me.

Hil